Bankera is not a scam. But their team is too weak, have no experience, design + marketing is trash. 
It is of course a difference if they are scammers or not, but in terms of the investors money lost is money lost.
Yes, now it is lost money. But I do not think that BANKERA is a scam. It seems that they are working, but slowly. It seems to me that this is quite promising in the future. Of course, many are disappointed, as they expected faster development and a result. But slow development does not mean that it is a scam.
It can mean that it is a scam. If they develop slowly but take large salaries at the same time, what would you call that? Not a scam?